Vitals
  • Total Assets
    89.7M 8.4 %
  • Total Deposits
    73.2M 7.4 %
  • Total Net Loans
    24.7M 9.3 %
  • Net Income
    251000.0000 109.2 %
  • Book Value
    12.0M 16.5 %
  • Book Value x2
    24.0M 16.5 %
  • Book Value x3
    36.1M 16.5 %
ROAA

1.128

ROAE

8.48

Efficiency Ratio

55.58

Net Interest Margin

2.808

Balance Sheet Highlights
Financial Highlights West Liberty State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 89,692 177,001
Total Net Loans 24,738 114,178
Total Deposits 73,172 147,203
Total Equity 12,024 19,799
Profitability
Net Income 251 531
Return on Average Assets 1.128 1.166
Return on Average Equity 8.48 10.379
Net Interest Margin 2.808 3.541
Efficiency Ratio 55.58 60.393
Noninterest Income/Revenue 7.662 13.345
Balance Sheet Ratios
Loan-to-Deposit 33.808 72.718
Securities/Assets .661 .226
Total Equity/Total Assets .134 .112
Tangible Equity/Tangible Assets .111 .108
Capital Adequacy
Tier 1 Common Capital 9,382 18,289
Tier 1 Capital 9,382 18,312
Tier 2 Capital 302 1,404
Total Capital 9,684 19,723
Total Risk Weighted Assets 34,429 130,512
Leverage Ratio 10.79 10.548
Common Equity Tier 1 Capital Ratio 27.25 15.585
Tier 1 Capital Ratio 27.25 15.604
Total Capital Ratio 28.13 16.65

Timeline for West Liberty State Bank

South Ottumwa Savings Bank

West Liberty State Bank was acquired by South Ottumwa Savings Bank 8 years

View Profile Jul 01 2015

Cornerstone Financial Services Group, Inc.

Cornerstone Financial Services Group, Inc. became a new parent organization for West Liberty State Bank.

View Profile Dec 16 2004

West Liberty Holding Company

West Liberty Holding Company became a new parent organization for West Liberty State Bank.

View Profile Mar 04 1974

West Liberty State Bank

West Liberty State Bank was established 90 years ago and is currently headquartered in West Liberty, IA.

May 31 1934
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
South Ottumwa Savings Bank Buyer 400,521 Pooling of Interests Discontinued 7/1/2015
Relationships Role Relationship Start Relationship End
Cornerstone Financial Services Group, Inc. Parent 12/16/2004 6/30/2015
West Liberty Holding Company Parent 11/15/1991 12/15/2004
West Liberty Holding Company Parent 12/31/1978 11/14/1991
West Liberty Holding Company Parent 3/4/1974 12/30/1978
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